EU Sovereignty Score
EU sovereignPaymentsHeadquarters: IT

Soisy: sovereignty score and 8 European alternatives

Soisy is an Italian fintech company that provides special-purpose loans for purchases made on e-commerce platforms. According to the Mediobanca group's press release on the transaction, it was set up in 2017 and works with online merchants, and its loans finance the purchase of goods and services online. Compass, a consumer-credit company within the Mediobanca group, acquired 100 per cent of Soisy in October 2022 to strengthen its buy-now-pay-later business.

The owner is therefore an Italian group. The sources consulted do not state where customer data is hosted or set out Soisy's data-protection terms, so a European organisation should review the processing terms before using Soisy's financing. Because buy-now-pay-later products involve personal and credit data, the provider's privacy notice, its data location and its retention rules are the first points to check.

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Sovereignty score
71 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in the EU: European law applies
  • Data residency SOV-3100
    EU-only hosting
  • Cryptographic key sovereignty SOV-360
    Key management with a European vendor
  • Freedom from lock-in SOV-640
    Closed source: switching requires data migration
  • Source & runtime sovereignty SOV-4 · SOV-655
    Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 11, 2026
HeadquartersIT (EU)Verified by hand
Sovereignty modelVendor-hosted (EU)Verified by hand
Data hostingEUVerified by hand
Open-sourceNoVerified by hand
GDPR-compliantNoVendor-stated
CategoryPayments
TypeProduct
Websitesoisy.it ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Soisy

The European alternatives to Soisy come from our knowledge base of over 6,200 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

99 European Payments vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Soisy

Soisy is headquartered in IT and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so Soisy scores best on data residency.

Soisy is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Soisy together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Soisy?

It depends on your use case. Strong EU alternatives to Soisy include Adyen, Alma and Autopay. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Soisy?

Our list of EU alternatives to Soisy is mostly commercial options. Browse the category on the map for open-source choices.

Is Soisy GDPR-compliant and where is the data hosted?

Soisy is headquartered in IT (EU) and hosts data in EU. That makes Soisy an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 11, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Payments

Payments: Payment services, payment gateways, online payments and financial transactions. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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8 European alternatives to Soisy — GDPR-compliant & EU-hosted · EU Sovereignty Score